Super lien

A super-priority lien is a state-law slice of unpaid HOA assessments that ranks ahead of a previously recorded first mortgage. Not every state has one. Florida's safe harbor is not a super-lien. Normally, liens line up by recording date: first in time, first in line. A "super-lien" or super-priority assessment lien is a statute that carves out a limited amount of unpaid HOA or condo assessments and parks that slice ahead of the first mortgage. If the association forecloses that slice, some states let the sale wipe the mortgage. That is not the American default. It is a state choice, mostly in jurisdictions that adopted some version of the Uniform Common Interest Ownership Act (UCIOA). Nolo's foreclosure-priority article is careful about this. Under many states' laws an HOA lien is junior to a first mortgage, so a first-mortgage lien remains after an HOA foreclosure and the buyer takes subject to the bank. Some states give certain HOA liens super priority: a specific number of months of past-due assessments rank senior to even a first mortgage; amounts beyond that stay junior.

This is general information from an AI helper, not legal advice. Confirm it against your documents and your state's law. If a deadline or hearing is coming up, talk to a licensed lawyer.